Berks County property record for 45 Valley Rd, Reading, PA 19610
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,540 sqft · built 1956 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Mar 2021) |
| Tax Bill | $1,762 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4396-06-39-2934 |
| Primary APN | 4396-06-39-2934 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 420 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 6,970 sqft (0.16 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Porch | Open Frame Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 96970474 |
|---|---|
| Street Address | 45 VALLEY RD |
| City | READING |
| State | PA |
| Zip | 19610-1955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 39 |
| Jurisdiction | BERKS PA |
| Township / Civil Division | WYOMISSING |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 11000 |
Source: Berks County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 VALLEY RD, READING, PA 19610-1955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed, Transfer · Conventional Mortgage HOMESALE MORTGAGE LLC |
| Aug 17, 2020 | Deed, Transfer · FHA Mortgage MORTGAGE AMERICA INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on Record |
| Deed Sale | Mar 16, 2021 · Amount on Record |
| Prior Sale | Aug 17, 2020 · Amount on Record |
| Deed Document Number | 202112310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Mar 16, 2021 |
| Property Address | 45 VALLEY RD, READING, PA 19610-1955 |
| Document Number | 0000012310 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021012310 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 VALLEY RD, READING, PA 19610-1955 |
| Document Number | 0000012311 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2021012311 |
| Name | HOMESALE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERKS PA |
| Recording Date | Aug 17, 2020 |
| Property Address | 45 VALLEY RD, READING, PA 19610-1955 |
| Document Number | 0000028097 |
| Instrument Date | Jul 29, 2020 |
| Instrument | 2020028097 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | SIGNATURE ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 VALLEY RD, WYOMISSING, PA 19610-1955 |
| Document Number | 0000028098 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 2020028098 |
| Name | MORTGAGE AMERICA INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
Source: Berks County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Berks County |
| Municipality | Wyomissing Borough |
| Unified School District | Wyomissing Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,762.00 (+13.97%) | $112,500 (-) Land $29,900 Building $82,600 | $29,900 (-73.42%) Land $29,900 |
| 2024 | $1,546.00 | $112,500 Land $29,900 Building $82,600 | |
| 1994 | $112,500 Land $29,900 Building $82,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 26, 2018
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.4% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PAW PENN DISTRICT private · serves 28,508 people · EPA ID PA3060069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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